Safe Rate Rankings

Best Mortgage Companie Lenders in Seattle

Updated May 28, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders154

Total Loans22,150

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	$566Fees	0.021%Above	395
2	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$1,096Fees	0.170%Below	164
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,310Fees	0.030%Above	1,435
4	BETTER MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Exceptional	Acceptable	Strong	$328Fees	0.079%Below	64
5	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,152Fees	0.321%Above	1,385
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,225Fees	0.061%Above	1,361
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,667Fees	0.321%Above	849
8	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,320Fees	0.336%Above	723
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,910Fees	0.312%Above	558
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,364Fees	0.002%Below	383
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,494Fees	0.135%Above	360
12	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,394Fees	0.105%Above	345
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,440Fees	0.187%Above	213
14	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,859Fees	0.080%Below	155
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,667Fees	0.025%Below	89
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,702Fees	0.375%Above	1,094
17	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,262Fees	0.296%Above	284
18	OriginPoint, LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Exceptional	$2,549Fees	0.251%Above	351
19	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,506Fees	0.172%Above	136
20	SCENIC OAKS FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,655Fees	0.332%Above	110
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,246Fees	0.212%Above	108
22	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$8,544Fees	0.479%Below	87
23	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,099Fees	0.018%Below	69
24	MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Acceptable	Strong	$2,436Fees	0.038%Below	59
25	RESICENTRAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,274Fees	0.102%Above	51
26	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,479Fees	0.110%Above	49
27	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,006Fees	0.194%Above	48
28	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,105Fees	0.326%Above	370
29	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,416Fees	0.413%Above	305
30	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,290Fees	0.439%Above	252
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,418Fees	0.319%Above	233
32	ON Q FINANCIAL, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,590Fees	0.310%Above	67
33	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,876Fees	0.180%Above	64
34	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,615Fees	0.274%Above	64
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,923Fees	0.083%Above	64
36	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,473Fees	0.099%Above	62
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,957Fees	0.256%Above	49
38	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,625Fees	0.482%Above	77
39	PRIORITY HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$4,182Fees	0.534%Above	63
40	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,899Fees	0.440%Above	60

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.